10157 Juniper Ln, Middlebury, IN 46540 Property Records

Elkhart County property record for 10157 Juniper Ln, Middlebury, IN 46540

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,683 sqft · built 1988
Lot Size	0.465 acres (20,255 sqft)
Owner	2 Trust Names on File
Last Sale	$400,000 (Apr 2023)
Tax Bill	$7,194 (2024)
Deeds & Mortgages	Jun 2021 Mortgage Jan 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`20-04-25-227-017.000-032`

Property Details

APN / Parcel Number

Primary APN	`20-04-25-227-017.000-032`
Alternative APN	`0425227017032`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,683 sqft Living Area
Gross Area	4,465 sqft
1st Floor Area	2,483 sqft
Basement Area	1,430 sqft
Finished Basement	1,200 sqft
Unfinished Basement	230 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2001
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,255 sqft (0.465 acres)
Lot Dimensions	166 ft deep x 122 ft wide
View / Lot	Extra Front
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Patio Area	780 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	10157 JUNIPER LN
City	MIDDLEBURY
State	IN
Zip	46540-9451
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ZO01
Legal Description	FOREST LAKES II LOT 77
Legal Subdivision	FOREST LAKES II
Legal Block	227
Legal Lot Number	77
Jurisdiction	ELKHART IN
Township / Civil Division	YORK
Census Block Group	1
Census Block	1011
Census Tract	801

Owner

10157 Juniper Ln is owner-occupied and held in a trust since April 2023.

Source: Elkhart County records, as of February 2, 2026

Owner of Record	2 Trust Names on File
Mailing Address	10157 JUNIPER LN, MIDDLEBURY, IN 46540-9451
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jan 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage GENEVA FINANCIAL LLC
Sep 15, 2023	Deed of Trust, Mortgage · Line of Credit CENTIER BANK
Apr 10, 2023	Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Apr 24, 2018	Warranty Deed, Transfer FIRST ST BK/MIDDLEBURY
Apr 24, 2018	Quit Claim Deed, Transfer METROPOLITAN TITLE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2023 · Amount on File
Deed Sale	Apr 10, 2023 · Amount on File
Prior Sale	Oct 22, 2020 · Amount on File
Deed Document Number	20235508
Prior Transfer Date	Apr 10, 2018
Prior Transfer Doc	0000007860
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	10157 JUNIPER LN, MIDDLEBURY, IN 46540-9451
Transaction Type	Mortgage
Record Updated	Nov 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006396
Date	Jun 21, 2021
Instrument	2021-16396

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2036

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	10157 JUNIPER LN, MIDDLEBURY, IN 46540-9451
Transaction Type	Mortgage
Record Updated	Nov 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002291
Date	Jan 31, 2022
Instrument	2022-02291

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company
Address	CHANDLER, AZ 85225

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELKHART IN
Property Address	10157 JUNIPER LN, MIDDLEBURY, IN 46540-9451
Transaction Type	Mortgage
Record Updated	Nov 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10157 JUNIPER LN, MIDDLEBURY, IN 46540-9451

Mortgage

Document Number	0000005439
Date	Sep 15, 2023
Instrument	2023-15439

Lender

Name	CENTIER BANK
Type	Bank
Address	MERRILLVILLE, IN 46410

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 6, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Apr 10, 2023
Property Address	10157 JUNIPER LN, MIDDLEBURY, IN 46540-9451
Document Number	0000005508
Map Reference	MB 17 PG 77
Instrument Date	Mar 29, 2023
Instrument	2023-05508
Transaction Type	Transfer
Record Updated	Nov 24, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL CO LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	IN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10157 JUNIPER LN, MIDDLEBURY, IN 46540-9451

Mortgage

Document Number	0000005509
Date	Apr 10, 2023
Instrument	2023-05509

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2038

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELKHART IN
Recording Date	Apr 24, 2018
Property Address	10157 JUNIPER LN, MIDDLEBURY, IN 46540-9451
Document Number	0000007861
Instrument Date	Apr 13, 2018
Instrument	7861
Transaction Type	Transfer
Record Updated	May 1, 2018
Title Company	METROPOLITAN TITLE CORPORATION

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10157 JUNIPER LN MIDDLEBURY IN 465409451, MIDDLEBURY, IN 46540-9451

Mortgage

Document Number	7862
Date	Apr 24, 2018
Instrument	7862

Lender

Name	FIRST ST BK/MIDDLEBURY
Type	Bank
Address	MIDDLEBURY, IN 46540

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 23, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ELKHART IN
Recording Date	Apr 24, 2018
Property Address	10157 JUNIPER LN, MIDDLEBURY, IN 46540-9451
Document Number	0000007860
Instrument Date	Apr 10, 2018
Instrument	7860
Transaction Type	Transfer
Record Updated	May 1, 2018
Title Company	METROPOLITAN TITLE CORPORATION

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10157 JUNIPER LN MIDDLEBURY IN 465409451, MIDDLEBURY, IN 46540-9451

Tax Assessment & Valuation

Source: Elkhart County assessment roll, as of December 29, 2025

Property Jurisdictions

Type	Name
State	Indiana
County	Elkhart County
County Subdivision	York Township
Unified School District	Middlebury Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$511,900 (+16.55%) Land $107,400 Building $404,500	$511,900 (+16.55%) Land $107,400 Building $404,500
2024	$7,194.00	$439,200 (+2.98%) Land $107,400 Building $331,800	$439,200 (+2.98%) Land $107,400 Building $331,800
2023		$426,500 (+8.03%) Land $107,400 Building $319,100	$426,500 (+8.03%) Land $107,400 Building $319,100
2022	$3,847.00	$394,800 Land $107,400 Building $287,400	$394,800 Land $107,400 Building $287,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10157 Juniper Ln in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1993.

Source: FEMA National Flood Hazard Layer, effective August 22, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	4 (1993–2018)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Feb 2018 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Feb 2018 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 10157 Juniper Ln is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 73% of Indiana
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Surf Internet Fiber	1,000 / 1,000

May also be available: Verizon.

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